WHAT DOES FREEDOM 1ST CREDIT UNION
DO WITH YOUR PERSONAL INFORMATION?
WHY? - Financial companies chose how they share your personal information. Federal law gives consumers the right to limit some, but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
WHAT ? – The types of personal information we collect and share depend on the product or service you have with us. This information can include:
· Social Security number and assets
· Credit card or other debt and credit history
· Employment information and payment history
When you are no longer our member we continue to share your information as described in this notice.
HOW ? – All financial companies need to share members’ personal information when operating their everyday business. In the box below, we list the reasons financial companies can share their members’ personal information; the reasons Freedom 1st Credit Union, Inc. chooses to share; and whether you can limit this sharing.
|Reasons we can share your personal information||Does FFCU share?||Can you limit this sharing?|
For our everyday business purposes such as : to process your transactions, maintain your accounts, respond to court orders and legal investigations, or to report to credit bureaus.
For our marketing purposes –
To offer our products and services to you.
|For joint marketing with other financial companies||YES||NO|
For our affiliates’ everyday business purposes -
Information about your transactions and experiences
|NO||WE DON’T SHARE|
For our affiliates’ business purposes -
Information about your credit worthiness
|NO||WE DON’T SHARE|
|For our affiliates to market to you||NO||WE DON’T SHARE|
|For our non-affiliates to market to you||NO||WE DON’T SHARE|
What we do
How does Freedom 1st protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with Federal law. These measures include computer safeguards and secured files and buildings.
How does Freedom 1st collect my personal information?
We collect your personal information when you
· Open an account, show a driver’s license, give us your contact information, apply for a loan, file an insurance claim, etc.
· We also collect your personal information from other companies such as credit bureaus or other affiliates.
Why can’t I limit all sharing?
Federal law gives you the right to limit only
· Sharing for affiliates’ everyday business purposes – information about your credit worthiness
· Affiliates from using information to market to you
· Sharing for non affiliates to market to you
State law and individual companies may give you additional rights to limit sharing.
Affiliates - Companies related by common ownership or control. They can be financial and non financial companies.
Freedom 1st Credit Union has no affiliates.
Non Affiliates – Companies not related by common ownership or control. They can be financial and non financial companies.
· Non affiliates we share information with can include insurance companies, government agencies, plastic card processors (credit and debit ATM), mailhouse, consumer reporting agencies, data processors, and check/share draft printers.
Joint Marketing – A formal agreement between non affiliated financial companies that together market financial products or services to you.
· Our joint marketing partners include CUNA Mutual Group’s Member Connect, Hartford Life, and Elavon Credit Cards.
We are pleased to provide Freedom 1st Credit Union members an Internet site in the domain www.freedom1stcu.com ("Site"). It is provided subject to the following terms and conditions. Please read them carefully as any use of the Site constitutes your agreement to all of them, including but not limited to our Online Privacy Statement. If you do not agree, please exit the Site at this time.
Our Site is intended to provide members of Freedom 1st CU ("you") easy access to information about Freedom 1st Credit Union ("Freedom1st", "we" or "us"). We grant you a nonexclusive, revocable license to copy or print an unaltered permanent copy of information on the Site for your personal use, non-commercial purposes only. You may not otherwise copy, modify, publicly distribute or display, perform, publish, license, create derivative works from, transfer, or sell anything obtained from this Site. You agree that you will not alter any Site information and will not use (or allow others to use) the Site or any information obtained from it for any wrongful, unauthorized or unlawful purpose and agree to indemnify and hold Freedom 1st Credit Union and its affiliates harmless from and against any loss, damage or expense (including attorneys fees) incurred by them because of any such use.
We understand that you are concerned about privacy. For information about how we treat information that you provide us through the Site, please see our Privacy Statement.
All information is either generated by Freedom 1st Credit Union or is obtained from sources believed by us to be accurate and reliable as of the date posted on the Site. However, because of the possibility of human and mechanical error, delayed updates, as well as other factors such as the difficulty of securing a web site from unauthorized alterations or the occurrence of a system breakdown or other unavailability, neither Freedom 1st Credit Union nor any of its affiliates provide any representations or warranties regarding the Site or any information in it. The Site and all information is provided "AS IS" and with all faults, and Freedom 1st Credit Union makes no representations and disclaims all implied warranties of every kind, including warranties or any duties (if any) as to accuracy, timeliness, completeness, suitability, availability, merchantability, and fitness for any particular purpose, or lack of negligence or viruses.
Our Site contains hyperlinks to sites operated by third parties. When you click on the link, you will leave our Site and go to the linked site. We are not responsible for the contents or use of the linked sites, and their terms and conditions apply.
NO INCIDENTAL OR CONSEQUENTIAL CHANGES. To the full extent allowed by applicable law, you agree that neither Freedom 1st Credit Union nor any of its affiliates will be liable to you and/or any third party for any consequential or incidental damages (including but not limited to lost profits or lost opportunity), or any other indirect, special, or punitive damages whatsoever, that arise out of or are related to the Site, or any use of it or information in it, even if Freedom 1st has been advised of the possibility of such damages. This exclusion of damages includes damages claimed in any cause of action, including but not limited to legal or equitable proceedings and claims relating to contract, tort products liability.
You agree that your recovery for any damages that you incur shall be limited, at Freedom 1st's election, to: (1) a refund of any amount (if any) you paid for information from the Site or for any use that caused a problem, or (2) correction or replacement of the information. Any failure or unconscious ability of any remedy does not affect the enforceability of the limitations on and exclusions of consequential, incidental and other damages, and you expressly agree that those limitations and exclusions are independent of the performance of any or all agreed remedies. All limitations will apply to all legal and equitable theories, including but not limited to contact, tort and products liability.
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